Description of Benefits

The AD&D plan provides 24-hour coverage for accidental loss of life, limb, hand, foot, hearing, speech, sight or thumb and index finger (of the same hand). You may select a coverage amount from $50,000 to $500,000, in increments of $50,000.

Employee coverage

The amount of coverage you select for yourself (the principal sum) is payable as follows:

100 percent of the principal sum is paid for the following accidental losses:

Life

Both hands or both feet or sight of both eyes

Or any two or more of the following accidental losses:

One hand or one foot

One hand or one foot and sight of one eye

Speech and hearing.

50 percent of the principal sum is paid for the following accidental losses:

Sight of one eye

One hand or one foot

Speech or hearing

25 percent of the principal sum is paid for accidental loss of thumb and index finger of either hand.

When a claim is filed on a dependent, the payable benefit is equal to a percentage of your employee AD&D insurance as follows:

Spouse or domestic partner only — 50 percent

Children only — 15 percent for each child

Spouse or domestic partner and children — 40 percent for spouse or partner, 15 percent for each child.

The maximum benefit payable for all losses caused by the same accident will not be more than the principal sum.